Home Insurance in Hillsdale, Illinois
With a median home value of $99,200, Hillsdale is 34% lower than the Rock Island County median.
Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild. The typical home in Hillsdale was built around 1956. About 54% of homes were built before 1960, about 8 points above Rock Island County's 46%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Hillsdale is 74% single-family homes, 4% apartments in buildings with 5+ units and 19% mobile or manufactured homes.
About 49% of owner-occupied homes in Hillsdale have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Hillsdale has an owner-occupancy rate of 86% and a vacancy rate of 12%; unoccupied homes typically need a different coverage form.
87% of homes in Hillsdale are primarily heated with natural gas.
Rock Island County's top FEMA-rated hazard is strong wind (Relatively High), per FEMA's National Risk Index. Rock Island County had 788 active NFIP flood policies as of September 2026. See the full Rock Island County home insurance overview for all FEMA hazard ratings and flood coverage details.
In Illinois, the statewide average premium for a standard HO-3 homeowners policy is $1,480 per year (NAIC, 2023 data).
Key figures
| Median home value | $99,200 |
|---|---|
| Median year built | 1956 |
| Owner-occupied share | 86% |
| Share of owner-occupied homes with a mortgage | 49% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Rock Island County | 788 |
| Home insurance premium | $1,480 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)